The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$3,186
−HK$199/mo
▼ 0.25% · 3.875%
HK$3,285
−HK$100/mo
Today · 4.125%
HK$3,385
baseline
▲ 0.50% · 4.625%
HK$3,591
+HK$206/mo
Deposit HK$699K · loan HK$699K · min. income ≈ HK$6,770/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,544
−HK$191/mo
▼ 0.25% · 3.875%
HK$3,639
−HK$96/mo
Today · 4.125%
HK$3,735
baseline
▲ 0.50% · 4.625%
HK$3,932
+HK$197/mo
Deposit HK$699K · loan HK$699K · min. income ≈ HK$7,470/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$3,823
−HK$239/mo
▼ 0.25% · 3.875%
HK$3,942
−HK$120/mo
Today · 4.125%
HK$4,062
baseline
▲ 0.50% · 4.625%
HK$4,310
+HK$248/mo
Deposit HK$559K · loan HK$838K · min. income ≈ HK$8,124/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,253
−HK$229/mo
▼ 0.25% · 3.875%
HK$4,367
−HK$115/mo
Today · 4.125%
HK$4,482
baseline
▲ 0.50% · 4.625%
HK$4,719
+HK$237/mo
Deposit HK$559K · loan HK$838K · min. income ≈ HK$8,964/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,460
−HK$280/mo
▼ 0.25% · 3.875%
HK$4,599
−HK$141/mo
Today · 4.125%
HK$4,740
baseline
▲ 0.50% · 4.625%
HK$5,028
+HK$288/mo
Deposit HK$419K · loan HK$978K · min. income ≈ HK$9,480/mo (50% DSR)
Upfront cash ≈ HK$419K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,962
−HK$268/mo
▼ 0.25% · 3.875%
HK$5,095
−HK$135/mo
Today · 4.125%
HK$5,230
baseline
▲ 0.50% · 4.625%
HK$5,505
+HK$275/mo
Deposit HK$419K · loan HK$978K · min. income ≈ HK$10,460/mo (50% DSR)
Upfront cash ≈ HK$419K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,734
−HK$360/mo
▼ 0.25% · 3.875%
HK$5,912
−HK$182/mo
Today · 4.125%
HK$6,094
baseline
▲ 0.50% · 4.625%
HK$6,464
+HK$370/mo
Deposit HK$140K · loan HK$1.26M · min. income ≈ HK$12,188/mo (50% DSR)
Upfront cash ≈ HK$140K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,379
−HK$345/mo
▼ 0.25% · 3.875%
HK$6,550
−HK$174/mo
Today · 4.125%
HK$6,724
baseline
▲ 0.50% · 4.625%
HK$7,078
+HK$354/mo
Deposit HK$140K · loan HK$1.26M · min. income ≈ HK$13,448/mo (50% DSR)
Upfront cash ≈ HK$140K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).